Junction City, KS · Cert 58466
FDIC · 1 branch
Q3 2018
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | 0.66% | 0.61% | 0.66% | 0.77% | 0.94% | 0.81% | 0.80% | +14 bps | |
| Return on Equity | 4.34% | 4.80% | 4.38% | 4.75% | 5.54% | 6.75% | 5.76% | 5.61% | +86 bps | |
| Net Interest Margin | 3.76% | 3.61% | 3.64% | 3.63% | 3.66% | 3.76% | 3.78% | 3.78% | +15 bps | |
| Efficiency Ratio | 81.49% | 81.90% | 83.23% | 82.34% | 79.85% | 74.86% | 77.56% | 77.93% | -441 bps | |
| Non-Interest Burden | 3.02% | 2.92% | 3.01% | 2.97% | 2.89% | 2.75% | 2.88% | 2.89% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.92% | -2.49% | -3.25% | -2.42% | 0.29% | 2.92% | -0.12% | -7.28% | -486 bps | |
| Loan Growth (YoY) | -2.53% | -7.87% | 2.89% | 3.11% | 5.71% | 10.78% | 0.72% | -1.50% | -461 bps | |
| Deposit Growth (YoY) | -4.42% | -2.68% | -3.58% | -2.59% | 0.67% | 0.45% | -3.32% | -12.02% | -943 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.20% | 0.19% | 1.01% | 0.13% | 0.46% | 0.09% | 0.09% | -92 bps | |
| Net Charge-Offs / Loans | 0.45% | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.26% | 0.17% | +16 bps | |
| Allowance / Loans | 1.35% | 1.40% | 1.33% | 1.34% | 1.27% | 1.27% | 1.23% | 1.27% | -7 bps | |
| Allowance Coverage of NPLs | n/a | 7.0x | 7.1x | 1.3x | 9.5x | 2.7x | 13.7x | 14.3x | +12.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.39% | 13.71% | 13.62% | 13.54% | 13.78% | 13.77% | 13.86% | 14.54% | +99 bps | |
| Total Risk-Based Capital | 19.15% | 19.71% | 19.31% | 19.05% | 18.95% | 18.12% | 19.35% | 20.21% | +117 bps | |
| Equity / Assets | 13.98% | 13.64% | 13.99% | 13.69% | 14.29% | 13.51% | 14.30% | 15.07% | +138 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 107.67% | 102.09% | 109.72% | 104.22% | 113.06% | 112.58% | 114.31% | 116.68% | +1,246 bps | |
| Liquid Assets / Assets | 0.50% | 0.50% | 0.51% | 0.49% | 0.50% | 0.49% | 0.50% | 0.52% | +3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |